UPDATED Good Haul over Last Week - 3 out of 5...WAIT...4 out of 6

[heirophant]

Got approved for 3 out of 5 requests over the last week.  First, last week, went from 1K to 10K on my BECU card.  Got Citi Forward (instant approval) at $6500.  Got BOA Travel Rewards Visa Signature (had to call for verification of address) at 5K.  Got US Bank Cash+ Visa Signature for 5K.  Not instant, but just called this morning and talked to a human and was told approved (thier automated system still said processing).

So, 2 of them (Citi and BOA), I have a CO with from 2005, so I can report that they have let me back in...and with decent limits!  BECU pulled TU, BOA and US Bank pulled EX.

Chase denied CLI request, stating I have enough available credit.  AMEX declined BCE, stating that my utilization was too high.  I will admit it was around 22% UTIL, but that hardly seems high.  Recon did not work.  In both cases I talked to a human.  On the plus side, both were soft pulls.

Still want my Discover back, which was also a CO in 2005, but it is still showing on EQ.  If it falls of before these post to my CBR's, I will app, otherwise, I will have to wait at least a year.

Anyway, some nice new cards and nice limits.  I am on cloud 9 right now!  

[SpiceIslander]

Super job! Congrats!!!

[FicoTron]

How long had you had the PR Gold Amex before you applied for the BCE? How much did you push through it per month?

[heirophant]

I have had the Reward Plus Gold since 2008. I push between 2k-4k per month. That is one of the reasons I was suprised it wasn't instant. Honestly, I think BCE is a better fit for me and I want to cancel the Gold. The fees are too high and rewards too low.

[heirophant]

I really wanted BCE for the back-dating as well.

[G19OD]

I was recently approved for a BECU Visa @ 1k. Could you tell me your process for getting that increased to 10k?

[heirophant]

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@G19OD wrote:

@I was recently approved for a BECU Visa @ 1k. Could you tell me your process for getting that increased to 10k?

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@Anonymous process really.  I was actually declined in early 2010 for the BECU Visa, called back and pleaded my case.  They said I was automatically declined by the system because of deragatory accounts.  I explained to them that I had paid them 3 years prior and nothing was newer than that.  They approved for 1K @ 18%.  1 year later after good payment history, they automatically reduced my APR to 12.9%.  Then, last week, I called and asked for a CLI to do about 4K balance transfer and requested 8K.  Their system automatically approved to 10K.  I was quite pleased.  I really didn't do anything special, just paid my bills on time.  A few PIF's.  Its nice to have a limit like that with a CU because you know they won't play any rate/limit games.  That is the reason I am cancelling Juniper.  Barclay's is too fickle and have not treated me with very much respect the last couple of years.

BECU did pull TU.  That is where I got the FICO from.

[heirophant]

OK, so I don't know if it still exists because I took quite a break from these boards, but I need the sleigh center...if anybody remembers that rehab joint.  Got some great approvals from my app spree.  Got approved for my best interest rate today at 10.5 and second-best CL at $6,900.  Guess what, it was a credit union - AlaskaUSA FCU.  And I know they won't have any intention of messing with my limits/rates as long as I pay at least the minimum.  This is great.  Interesting note - most CU's seem to pull EQ from what I see around here.  They pulled TU.  So, now it is off to update whogavemecredit.com with scores and limits for my app spree and and garden for years.  I am set with some pretty great cards.  I have decided I really don't need Discover with my current crop of cards and will not be applying. 

[webhopper]

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@heirophant wrote:

OK, so I don't know if it still exists because I took quite a break from these boards, but I need the sleigh center...if anybody remembers that rehab joint.  Got some great approvals from my app spree.  Got approved for my best interest rate today at 10.5 and second-best CL at $6,900.  Guess what, it was a credit union - AlaskaUSA FCU.  And I know they won't have any intention of messing with my limits/rates as long as I pay at least the minimum.  This is great.  Interesting note - most CU's seem to pull EQ from what I see around here.  They pulled TU.  So, now it is off to update whogavemecredit.com with scores and limits for my app spree and and garden for years.  I am set with some pretty great cards.  I have decided I really don't need Discover with my current crop of cards and will not be applying. 

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Its called the Garden Club now   Sleigh Center died from what I gather looking through archive posts

[bamagirl1]

Heirophant~

I remember the Sleigh center..LOL